Important Account Changes

Changes
to the rules for Automated Clearing House (ACH) processing for ACH debits
(payments) are going into effect nationwide on September 15, 2017. As a result,
payments may clear your account on the same day you authorize them instead of a
day or two later beginning September 15, 2017. This processing change may also
affect the checks you write.

What
you need to know

It
is important for you to make sure sufficient funds are available in your
account before you make or schedule payments or write checks to avoid
unnecessary insufficient funds, overdraft, or courtesy pay fees. Previously,
ACH payments or checks could have taken 1-2 days to post to your account. Now
those payments or checks may post on the same day you authorize them.

Legacy
offers several free and easy-to-use tools you can use to check your account
balance and manage your accounts.

Legacy
Connect Home Banking

Bill
Pay

Legacy
Mobile Banking

Legacy
also offers Overdraft Protection Plans to help you avoid unexpected
insufficient funds fees. More information is available on our website by
clicking here, and you can visit any of our convenient branch locations to add
Overdraft Protection to your account.

If
you have any questions, please contact us at 930-5000 or 800-828-0103.